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Medicaid is the payer of last resort. The customer must provide current information about any medical insurance coverage or premium amounts. This information allows the appropriate carrier to be billed.
In some cases, changes in medical coverage or premium amounts may affect a customer’s eligibility or Share of Cost (SOC):
When the program is... |
Then... |
ALTCS ALTCS - Freedom to Work |
Changes in the customer’s medical insurance premium amounts may affect the customer’s SOC for ALTCS services (MA1201C). |
Adult |
When a parent or other relative is living with a child and is the child’s main caretaker, the child must have minimum essential coverage for the person to qualify for the Adult group (MA518). |
Breast and Cervical Cancer Treatment Program (BCCTP) |
A customer is no longer eligible for BCCTP when she has creditable health insurance coverage, unless she qualifies for an exception (MA515). |
KidsCare |
A customer is no longer eligible for KidsCare when he or she has creditable health insurance coverage (MA515). NOTE When a person chooses to end a child’s creditable health insurance coverage, the child cannot qualify for KidsCare for 90 days. The 90 days begins the day after the creditable coverage ends unless the customer meets an exception. (MA516) |
See Processing Changes in Medical Insurance Coverage or Premiums for details.
Term |
Definition |
Creditable Coverage |
Health insurance coverage as defined under the Health Insurance Portability and Accountability Act (HIPAA). Examples of creditable coverage include: · Medicare; · Group health plans including Qualified Health Plans; · Health insurance coverage through a hospital or medical service policy, certificate or plan contract; or · Armed forces insurance (i.e., TriCare). |
Non-Creditable Coverage |
The following types of policies are considered non-creditable coverage: · Coverage only for accidents (including accidental death and dismemberment); · Liability insurance, including general liability and automobile liability insurance; · Free medical clinics at a work site; · Benefits with limited scope such as dental benefits, vision benefits or long term care benefits; · Coverage for a specific disease or illness (including cancer policies); · Insurance that pays a set amount a day when the person is hospitalized or unable to work. |
Minimum Essential Coverage |
Means any of the following kinds of health insurance coverage: · Full AHCCCS Medical Assistance benefits; · Medicare Part A; · TriCare for Life; · Veterans health program; · Government health plan for Peace Corps volunteers; · Group and Individual health plans, including Qualified Health Plans purchased on the Federally Facilitated Marketplace; · Employer-sponsored coverage; or · Other health benefits coverage, such as a State health benefits risk pool. Minimum Essential Coverage does NOT include: · Coverage only for accident or disability income insurance; · Liability insurance, including general liability insurance and automobile liability insurance; · Workers’ compensation or similar insurance; · Automobile medical payment insurance; · Coverage for on-site medical clinics; · Dental- or vision-only benefits; · Coverage only for long-term care services; · Coverage only for a specified disease or illness; or · Hospital indemnity or other fixed indemnity insurance. |
Proof of new insurance coverage includes:
· Insurance contract;
· Copy of both sides of the insurance card;
· Telephone contact to the insurer to confirm the details of the coverage.
Proof that insurance coverage has ended includes:
· Letter or written statement from the insurer confirming the coverage end date;
· Telephone contact to the insurer confirming the coverage end date;
· Telephone contact to the previous employer to confirm the coverage end date for employer-sponsored insurance.
Proof of a change in premium amount includes:
· Letter or written statement from the insurer with the new premium amount and effective date;
· Telephone call to the insurer confirming the new premium amount and effective date;
· When the customer is no longer paying the premium or someone else is paying the premium, the customer’s statement is accepted. No further proof is needed.
This applies to all programs.
Changes must be reported as soon as the future event becomes known. Unanticipated changes must be reported within 10 calendar days of the date the change occurred.
Use the following table to determine the effective date for the change.
If the change results in... | Then the effective date of the change is... |
A decrease in the ALTCS Share of Cost | The later of the first day of the month in which the change: · Took place; or · Was reported to AHCCCS. |
· An increase in the ALTCS Share of Cost; or · Loss of eligibility |
The first day of the month after the change that allows for adverse action rules. |
Program |
Legal Authorities |
ALTCS FTW-ALTCS |
42 CFR 435.725(c)(4)(i) 42 CFR 435.726(c)(4)(i) 42 CFR 435.916 AAC R9-28-410(C) AAC R9-28-411(A)(1) |
Breast and Cervical Cancer Treatment Program (BCCTP) |
42 CFR 435.916 ARS 36-2901.05 AAC R9-22-2003(A)(5) AAC R9-22-2005(D)(1) |
Adult |
42 CFR 435.916 42 CFR 435.119(c) |
KidsCare |
42 CFR 457.310(b)(2)(ii) ARS 36-2983(G)(2) AAC R9-31-303 |